Effective money management is extremely important for individuals. Depending on the way money is managed, ie money surplus, the well-being and quality of life of individuals will depend. That is why it is necessary to pay attention and time when choosing between different investment options. There are many financial products on the market today that can be invested in. But the underlying investment options for individuals are time deposits in banks, investment funds, pension funds, as well as stocks. Time deposits in banks are the most common form of savings, in which the investor makes money available to the bank for a certain period of time, in order to receive a refund of the principal with the corresponding interest after the expiration of the defined period of time. Investment in investment funds is a type of investment in which the investor buys a unit in a particular fund with the aim of selling the unit at a higher price and thus achieving a return. Pension funds are mutual funds aimed at investing in lower risk assets that generate certain returns with the aim of growing the value of assets until retirement. Investing in shares is for the purpose of generating returns based on capital gains or the payment of dividends.